"$HOME" is where dotfiles are

Usage:

cd .config
ln -s $(pwd)/{sh,bash,zsh} "$HOME/.config/"

# somewhere in .bashrc

if [ -f "$HOME/.config/bash/bashrc" ]; then
    . "$HOME/.config/bash/bashrc"
fi

# or in .zshrc

if [ -f "$HOME/.config/zsh/zshrc" ]; then
    . "$HOME/.config/zsh/zshrc"
fi